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Government Loans from Consumer Trust Mortgage
Mortgage Options



Consumer Trust Mortgage is committed to being a trusted resource in meeting the specific mortgage needs of the brave men and women of the United States Armed Forces who serve, or have served our country with resolute sacrifice.


VA loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase or refinance of the home. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.



  • Negotiable interest rate.

  • Closing costs comparable – and sometimes lower.

  • No private mortgage insurance requirement.

  • Right to prepay loan without penalties

  • Mortgage can be “assumed” by the buyer, if they qualify, when a home is sold.

FHA (Purchase or Refinance)


  • Fixed and adjustable rates.

  • More lenient credit score.

  • Low down payment.

  • Higher loan amount.

  • Debt to income can be more flexible.

USDA Rural Development Mortgage (Purchase or Refinance)

Available to rural and suburban home buyers.


  • 100% financing/no down payment.

  • Flexible credit guidelines.

  • Lower interest rate.

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